Workers’ compensation insurance is an integral insurance policy for any Fort Payne, AL business with one or more full-time employees. It offers unlimited medical benefits for employees who are injured while working for your company or as a result of long-term work done for your company. It provides injured employees with wage replacement, so they have a steady income they can rely on during recovery. At the same time, it also protects your business from employee lawsuits related to covered accidents.

Even so, some incidents aren’t covered by your workers’ compensation insurance policy. Understanding what these are will prevent unpleasant surprises in the event of an unfortunate incident. 

Careless Behavior

If employees are aware of safety rules and fail to follow them due to carelessness, intoxication, or for other reasons, they can be denied coverage after an on-the-job accident.

Travel to and from Work

Employees aren’t covered by workers’ compensation when commuting to and from work, as this isn’t considered a commercial activity. However, if your employee is traveling as part of their job (e.g., going from your office to a worksite or running errands for your business), then workers’ compensation will likely cover road accidents incurred during these work hours.

Freelancing

Freelance workers in Fort Payne, AL aren’t covered under a workers’ compensation insurance policy. However, a freelancer who is injured while working for you can sue your company for damages if he or she can prove that the injury was caused by your company’s negligence. 

Contact Attain Insurance To Find Out More About Workers’ Compensation Coverage

Call Attain Insurance at your convenience to find out more about workers’ compensation insurance and our other commercial insurance policy options. Our team members would be happy to answer any questions you have and help you find and purchase insurance coverage that meets your company’s needs.